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Card Consolidation Credit Debt Your online business needs to accept credit cards. That's true whether your business is the next ebay or you're just selling your old collectibles on ebay. You're simply holding your business back if you don't accept the payment method of choice of the internet. Sadly, many people think they won't qualify for a new merchant account to accept credit cards, or that it will be too expensive or complicated. That might have been true a few years ago, but not anymore.

The Company may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from Company. When the Credit Card Information is submitted to Company online, such information is encrypted and is protected with SSL encryption software. The Company will use the Credit Card Information for purposes processing and completing the purchase transaction, and the Credit Card Information will be disclosed to third parties only as necessary to complete the purchase transaction.

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Why Anyone Can Accept Credit Cards

In the case of credit card purchases, either the Bookseller or Abebooks, depending upon the process requested by the Bookseller, may process the credit card.

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• Low cost. In the US, the cost of accepting credit cards is around $10-$20/month in flat fees, plus a small percentage of your sales, called a discount rate. For an offline business, the discount rate is as low as 1.69% (lower for debit cards). For an online business, discount rates are as low as 2.19%. Yes, online businesses are considered riskier and therefore are charged more. Still, 2.19% is much less than even many offline businesses were paying just five years ago. Non-US business will likely pay significantly more, but likely not more than a few hundred dollars a month and maybe a 6% discount rate. That's still a small price to pay to build a thriving online business.


• No upfront fees. There are now merchant account providers that charge nothing upfront-no application fee, no deposit. (For US businesses only.)


• No minimum number of sales. If you sell nothing in a given month, that's fine. Your account won't be cancelled so long as you pay a small minimum fee in lieu of transactions (usually around $25-$35/month).


• Low credit threshold. Believe it or not, qualifying for a merchant account to accept credit card payments is easier than qualifying for a credit card account. Even people who have a bankruptcy on their credit report may qualify for a merchant account (though they'll be in a more expensive higher-risk category). The credit check only takes a few minutes. Just give the representative your Social Security number or EIN and you're done. For non-US businesses, the credit check might be a little more in-depth, but not impossibly so.

Why You Need to Accept Credit Cards

For example, we use an outside shipping company (the United States Postal Service) to ship orders, and a credit card processing company to bill users for goods and services.

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1. Prestige. Admit it: you can't be a real business if you don't take credit cards. At least, that's how the average consumer or entrepreneur sees it.


2. Trust. Accepting credit cards means your name, address, and social security numbers are on file somewhere with a bank, so you're a lot less likely to be a crook. It also means that your customers can dispute the transaction if you don't put out the goods.


3. Sales. Online customers make the vast majority of their purchases with a credit card. They are not going to change their ways for you.


4. Western Union isn't enough. Bank wires offer very little consumer protection, so no one trusts them for paying online. Besides, most people have never used it before, and again, they're not going to change their ways for you.


5. PayPal isn't enough. Some people simply don't trust it. There are entire websites devoted to horror stories with PayPal. Other prospective customers worry about having to set up a PayPal account to make payment. Even a slight doubt is enough to send many visitors to the "back" button. Don't leave room for doubt.

Why Accepting Payments Online Is Easy

If you use the uSwitch.com comparison service to choose your credit card, you can apply for the card by visiting the issuer's website via our provided link. Any information you give to uSwitch.com in the process of making your online UK credit card comparison is secure. If you choose to apply for a UK credit card online, you will be visiting a site outside of uSwitch.com with its own privacy policy. Start your credit card comparison to benefit from our secure switching service.

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• Easy-to-use gateway websites. With most merchant accounts, you get a login on a website of a "gateway" which lets you manage your entire account with up-to-the-minute information. It's very similar to online banking.


• Technical support. Most merchant account providers offer telephone and email technical support to help you figure out how to use your account, including how to integrate it with your website. Tip: choose a provider with 24/7/365 technical support over the phone-and that doesn't charge an additional fee.


• Preconfigured shopping carts and web payment forms. You won't have to do anything to your website if you opt to use a shopping cart of payment form that's already been set up by your payment processor. Just link to it from your website and you're done.

Why Applying to Accept Credit Cards Is Easy

Our customers should feel confident that the personal information is transmitted over secure servers. This information is necessary to properly process your order. Our systems limit access to this information only to employees who may need it to process your order. To complete a credit card transaction, the credit card information is securely forwarded to our credit card processor for authorisation. Mama Mio.com guarantees that our customers will only pay for those items, which they have actually authorised.

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• Online and telephone applications. You don't have to mail anything.


• Fast. You can apply for a merchant account to accept credit cards in the morning and be taking payments in the afternoon.


• No contract. Some credit card merchant account providers do not require an annual contract (for US businesses). The arrangement is strictly month-to-month. Of course, there are still companies that will try to lock you into a year-long contract, so be careful.

Active Credit Credit Guide See how easy it is to take credit card payments? Don't wait any longer. Apply for a credit card merchant gateway today. It's easy to do, and your business needs it. Once you're taking credit card payments, you won't be be just like a real business-you will be a real business.

Credit Score About the author: Joel Walsh is owner of the website UpMarketMerchant.com. Get more information about credit card processing service: http://www.UpMarketMerchant.com

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